Mortgage & Equity Underwriter

Mortgage Underwriter

The Mortgage Underwriter I reviews standard residential mortgage applications, evaluates borrower creditworthiness, and ensures compliance with company guidelines and regulatory requirements.

• Underwrite a limited range of mortgage loans. Primarily focused on HELOCs, fixed-rate Home Equity loans, Equity Rich fixed-rate loans and Equity Rich lines of Credits. Assisting with first mortgage refinances, purchases and construction loans as needed.
• Review mortgage loan applications, credit reports, financial documents, and collateral to make approval or denial decisions based on established criteria and program guidelines.
• Assess loan risk and request additional information when needed.
• Work with processors and loan officers to communicate approval conditions.
• Review property appraisals to confirm collateral value is properly documented.
• Complete all required GECU mortgage lending and Elevate U! training courses.
• Maintain the required NMLS designation.
• Perform other assigned duties.

• High School diploma or GED required
• Minimum of one year Mortgage experience or equivalent

• Professional verbal and written communication skills
• Strong interpersonal skills-ability to work well with others
• Strong time management and organizational skills who can work in a fast-paced environment
• Analytical and critical review skills
• Ability to exhibit a positive attitude and professional demeanor and can lead by example
• Understand and follow mortgage-related operational procedures

General Electric Credit Union is an Equal Opportunity Employer.